Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2008-11-18
2010-11-16
Elisca, Pierre E (Department: 3714)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S064000, C705S039000, C705S040000
Reexamination Certificate
active
07835994
ABSTRACT:
A flow-through transaction is effectuated with regard to a deposit account at a financial institution by an intermediary between a customer and the financial institution. The customer is received at a site of the intermediary and a type of the flow-through transaction is determined therefrom. An identification of the financial institution, the account thereat, and an amount of funds involved are received, and a request to a clearinghouse is initiated for the transaction. The clearinghouse establishes that the request is satisfactory and returns an approval of same to guarantee that the transaction is to be performed. A confirmation is provided to the customer upon receiving the approval. Thus, the customer need not visit a site of the financial institution to perform thereat a transaction equivalent to the flow-through transaction.
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Brooks Cameron & Huebsch PLLC
Elisca Pierre E
United Services Automobile Association (USAA)
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